Search found 35 matches

by frugalprof
Thu Aug 27, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 91
Views: 9406

Re: Swimming, do you? Advice sought.

I enjoy swimming and don't mind counting laps.

On odd laps I always look to the west side of the pool when I breathe, and on even laps I look to the east side.
by frugalprof
Mon May 25, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 183
Views: 10313

Re: Tips to stick to a weight loss diet?

How do folks deal with social influences? I have a teenager who loves to bake cookies and a wife who has bought into the sourdough bread baking craze. Yummy but not great for the tummy! :D
by frugalprof
Mon May 18, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 47557

Re: College in fall

The ACHA (American College Health Association) released updated guidelines for reopening campuses 10 days ago. You can find the PDF on this website: https://www.prnewswire.com/news-releases/acha-releases-new-guidelines-on-reopening-campuses-in-the-covid-19-era-301055576.html These guidelines are ext...
by frugalprof
Mon May 11, 2020 7:49 pm
Forum: Investing - Theory, News & General
Topic: Reacting to low interest rates
Replies: 80
Views: 6492

Re: Reacting to low interest rates

Most of this year's contributions to my 403b are going to TIAA Traditional, guaranteed 3%. :D
by frugalprof
Fri May 08, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: K-8 Online Learning - Use an online charter school next year?
Replies: 9
Views: 503

Re: K-8 Online Learning - Use an online charter school next year?

Due to health issues, our oldest has been enrolled in an online charter since October. She is in middle school and is a self-starter. She has excelled in the areas that she loves (English, Social Studies and Art). She is struggling a bit in math, which surprises me because she excels in this area on...
by frugalprof
Fri Feb 07, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Airlines Headache
Replies: 58
Views: 4611

Re: Airlines Headache

Original poster here. My plan is to call again and see if I can get the cancellation fee reduced or waived for son A. Even with the $200 cancellation fee, I will still receive the remainder of the value of the ticket, which can be applied to a later airfare. I am going to buy a new ticket for son B....
by frugalprof
Thu Feb 06, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Airlines Headache
Replies: 58
Views: 4611

Re: Airlines Headache

Thanks for your comments. The problem is that son B has a habit of lying that we are trying to break. My wife thinks this is a good opportunity to talk to him about when it's ok to tell a white lie and when it is not. I'm 1) not sure this is a white lie 2) not sure my son is mature enough to learn t...
by frugalprof
Thu Feb 06, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Airlines Headache
Replies: 58
Views: 4611

Re: Airlines Headache

They are minors. They would not need to show ID.
by frugalprof
Thu Feb 06, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Airlines Headache
Replies: 58
Views: 4611

Airlines Headache

I have two sons. I have tickets on Delta to travel with son A in March (purchased months ago). Son A just got a leading role in a play and can't go. I would like to take son B instead. Apparently, the airlines cannot change the name on the ticket from son A to son B. Called Delta, it would cost $200...
by frugalprof
Sat Nov 02, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Alternative to Spectrum Cable Internet
Replies: 24
Views: 1754

Re: Alternative to Spectrum Cable Internet

Have you checked their deals for existing customers on their website?

We also seem to get flyers in the mail every three months or so for new customers. When dropping existing service, and applying as a new customer, it's good to look at these deals first.
by frugalprof
Wed Apr 03, 2019 6:34 pm
Forum: Personal Investments
Topic: Adoption Tax Credit for Special Needs Child
Replies: 3
Views: 292

Adoption Tax Credit for Special Needs Child

My wife and I adopted a special needs child in 2015. There is an Adoption Tax Credit for special needs children that is applicable for up to five years. As I understand it, that makes 2019 the last tax year this credit applies. Our combined contribution to our 401k/457 is $36,000 per year. In order ...
by frugalprof
Tue Nov 13, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 10782

Re: Granddaughter needs $ help for university

If you have the money, offer half of the needed amount ($7500) and pay through a 529 account. Out of fairness to the twin, fund an additional $7500 in a separate 529 account. With a conservative allocation of bonds/stocks, that account should grow while the twin works. This will also be an incentive...
by frugalprof
Thu Jul 12, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 24438

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads' Financial Wisdom
by frugalprof
Fri Jun 15, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 90
Views: 12319

Re: Living Abroad - Who's done it?

Yes, took my family for my sabbatical in 2016. You can read about the decision making process I went through here: https://www.bogleheads.org/forum/viewtopic.php?t=159898 It was an amazing experience. We were able to rent out our house while we were gone and a neighbor collected our mail for us. We ...
by frugalprof
Fri May 25, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 6440

Re: I've never budgeted sucessfully

I use Mint to track spending on my credit cards. Out of safety concerns, I do not include any bank account info. I'm just trying to track spending, not income flows. If my credit card data gets hacked, I have recourse with the credit card companies, who are equipped to handle fraudulent charges. I a...
by frugalprof
Fri Oct 27, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 37816

Re: Iphone X is $1000

Long time Samsung user. My Samsung Galazy SIII died recently. For family reasons I bought the Iphone 6 for $200 at an AT & T store. The 6s was selling for $550. The phone is under warranty for a year. If I get two years out of it, I'll be happy. It does everything I need.
by frugalprof
Fri Jun 30, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 4024

Re: Buying a $520k House in LCOLA

How hard will this house be to sell down the road? If this is a pervasively LCOLA, you may not find many buyers.
by frugalprof
Fri Jun 30, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Best cars for multiple kids
Replies: 51
Views: 5361

Re: Best cars for multiple kids

We have a 2010 Chrysler Town & Country and love it. It seats 7, but the captain's chairs in the second row make the loss of one seat worth it. We have 3 kids 10, 8, and 6. They all still sit in the back row comfortably. If you do get a minivan, make sure the back opens remotely from your key fob...
by frugalprof
Tue May 02, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 42735

Re: Where to Live on $60K or Less a Year?

Greenville, SC has nice biking trails, a good regional airport with multiple flights a day to Charlotte. Except for the summer, which is too hot for my northeastern blood, the weather is nice. The cost of living is cheap and property taxes are relatively low. The mountains/Asheville are about an hou...
by frugalprof
Mon Feb 13, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 55
Views: 7868

How long do you keep your kitchen sponge?

We tend to keep our kitchen sponges for weeks. When they start to smell, we put some vinegar on them and microwave them on high for a minute. However, at what point is it appropriate to throw the darn things out? Is the basis of the decision health? aesthetics? Obviously I am not agonizing over this...
by frugalprof
Thu Jan 12, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 9636

Re: Best Ways to Buy Time

Two things: 1) I do all of my computer work at a standing desk. This ensures that I don't waste too much time surfing. 2) I also have a small sitting desk that is meant to be a stand for a computer. It matched my rather large desk, which I ditched when I moved to a smaller office. I used to have pap...
by frugalprof
Tue Dec 06, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: DW going back to work full-time - need advice
Replies: 12
Views: 1215

Re: DW going back to work full-time - need advice

My wife recently went back to work full time. Our children are 6, 8, and 10. We hired a local college student to babysit the kids for three hours on Sunday afternoons. We usually send them out of the house so we can plan our week without interruptions. We also hire someone to clean the house once a ...
by frugalprof
Thu Jul 07, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 6327

Re: Live abroad for a year?

My family and I just returned from five months in India. I had similar questions to you before we left (https://www.bogleheads.org/forum/viewtopic.php?t=159898). Here are some of my observations: 1) House - think carefully about the implications of renting/not renting for your homeowners insurance. ...
by frugalprof
Mon May 02, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 12868

Re: How to Bogleheads TRAVEL?

Two suggestions: 1) Travel with friends – we are going to an island in South Asia with friends. Sharing a place on Airbnb and splitting the cost is cheaper than getting our own accommodations at a hotel (for a family of 5). 2) Travel to see friends – we are also going to Europe this summer (as part ...
by frugalprof
Wed Apr 13, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 142
Views: 23081

Re: When was the most stressful financial time in your life?

In the fall of 2008 I was applying for tenure track jobs and I still had not finished my dissertation. Two schools were interested. However, in November one of them had to drop its search because of the stock market crash. The other had over 150 qualified applicants vying for the position. My wife a...
by frugalprof
Fri Dec 04, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: Where to go on my sabbatical?
Replies: 13
Views: 2218

Re: Where to go on my sabbatical?

Quick update: We decided to go to Tamil Nadu, India. We will have free housing, free food, free education for the kids at an international school, and transportation will not be an issue. We will both be teaching at the school and receiving small stipends for living expenses. Plane tickets were incr...
by frugalprof
Tue Jul 07, 2015 11:05 am
Forum: Personal Consumer Issues
Topic: Eating Out
Replies: 57
Views: 10665

Re: Eating Out

If you are thinking about having kids, enjoy those $90 meals now (while budgeting for the future!). Babysitting bills will make eating out more expensive.
by frugalprof
Thu Apr 30, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Karate for kids—Thoughts?
Replies: 47
Views: 5718

Re: Karate for kids—Thoughts?

I have been taking karate with my 8 year old for the last month. Unlike most other athletic activities, this is something we can do together, which she loves. I also think it helps teach her respect. I enjoy it too, though practicing my moves on folks half my height and 1/5th my age is quite comical.
by frugalprof
Wed Apr 15, 2015 3:45 pm
Forum: Personal Consumer Issues
Topic: Amelia Island vacation
Replies: 11
Views: 2116

Re: Amelia Island vacation

We went to Fernandina Beach on Amelia Island last year. Cute downtown area. Fort Clinch is a must see. At certain times during the day you can spot (we were told) nuclear subs being escorted through the channel just off of the fort along the beach. The beach was a bit cold when we went in early Marc...
by frugalprof
Tue Mar 03, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Where to go on my sabbatical?
Replies: 13
Views: 2218

Re: Where to go on my sabbatical?

Thank you everyone for your thoughtful and humorous replies. Based on your suggestions, here is what I am thinking: Quito - this option is now at the bottom of the list due to the crime factor. Seoul - it's good to know that folks have had good experiences here. For those who have lived in Seoul, ho...
by frugalprof
Mon Mar 02, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: Where to go on my sabbatical?
Replies: 13
Views: 2218

Where to go on my sabbatical?

I am currently planning my sabbatical for the spring of 2016. The purpose of this sabbatical is two-fold: 1) Conduct research for a book on theological ethics 2) Experience a foreign culture with my family Currently we are looking at the following options: a) Quito, Ecuador b) Barbados c) Seoul, Kor...
by frugalprof
Fri Nov 14, 2014 1:01 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 180
Views: 43122

Re: Bogleheads, tell me about your 40's?

I'm 47 and the father of three, ages 8, 6, and 4. My two boys love to wrestle with me when I come home (at the same time of course). How I wish I were still in my late twenties and early thirties! Still, life is very good. We have our finances in place. My wife is eight years younger, so she has mor...
by frugalprof
Tue Nov 04, 2014 3:31 pm
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 41
Views: 7692

Re: Adoption [Experience from those who have adopted]

If you do decide to pursue the foster to adopt route, be very careful about whether or not parental rights have been terminated. DSS workers can be overly optimistic about how close foster kids are to being "legally free." We have been fostering a child for 18 months and it will take at le...
by frugalprof
Tue Dec 04, 2012 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting and accounting for an HSA
Replies: 11
Views: 1085

Re: Budgeting and accounting for an HSA

My employer has a Health Spending Account, also referred to as an HSA, which does not roll over from year to year. I don't know about others on this forum, but this thread caused me some confusion until I clarified the difference between this spending account and a Health Savings Account with our be...